• Facebook
  • LinkedIn
  • YouTube
  • Today's Rates
  • Loan Calculators
  • Mobile Banking & Deposit
  • Resources
  • Careers
  • Contact Us
St. Cloud Financial Credit Union
  • Banking
    • Cards
      • Reloadable Card
      • Debit
      • HSA
      • Visa Gift Card
    • Checking
      • Harvest Checking
      • New Wave Student Checking
      • Business Checking
      • Freedom Checking
    • Investment & Financial Services
    • Lines of Credit
      • Anytime Access Line
      • Home Equity Line
    • Loans
      • Auto Loans
      • Consumer Loans
      • Loan Rates
      • Loan Contact Information
      • Mortgages & Real Estate
      • Student Loans
    • Payroll Benefits
    • Savings
      • Certificates
      • Health Savings Accounts
      • IRAs
      • Money Market Accounts
      • Savings Bonds
      • Youth Savings
      • Wincentive Savings
    • Credit Monitoring
    • Pay ELAN Mastercard Online
    • Former Starcor Members
  • Our Story
    • Become a Member
    • Board of Directors & Supervisory Committee
    • Leaders
      • Jed A. Meyer
      • Alyce Justin
      • Mel Tody
      • Theresa Tschumperlin
      • Vonda Dickey
      • John Hardekopf
    • People Helping People
    • What is a Credit Union
  • Member Benefits
    • Debt Protection
    • Discounted Tickets
    • Insurance
    • Safe Deposit Boxes
    • Security Education
    • Wire Transfers
    • Find Free ATMs
    • News & Events
      • Seminars
    • Community Events
      • BYKTWD
    • Notary Services
  • Today's Rates
    • Savings, Money Market, & Checking
    • Auto & Consumer Loans
    • Mortgage Loans
  • Online Services
    • Online Banking, Bill Pay & eStatements
    • Enroll in Credit Monitoring
    • Master Card Online
    • Loan Calculators
    • Mobile Banking & Deposit
    • Digital Banking
  • Mortgage Promo Page - Albertville

Online Banking

Want a Lower Auto Payment?

CLICK HERE! 

Open an Account

Loan Rates

In addition to offering a great loan experience, we offer competitive loan rates! Those are subject to change any time and may vary on individual loans. All rates listed are APR.

We provide financing to purchase autos, trucks, boats, campers and travel trailers, motor homes, snowmobiles, four-wheelers, jet skis, and motorcycles.

We also provide:

  • Home equity lines of credit
  • Mortgage loans
  • Land loans 
  • Personal loans
  • MasterCard credit card 
  • Savings-secured loans, Money Market-secured loans, and Certificate-secured loans 
  • Anytime Access - credit Line that you can use any time; it also serves as Checking Overdraft Protection
  • Signature loans
  • Member business loans 
  • Student Loans - a private student loan program

To learn about your options for applying for loans, click here.

You may also stop in and visit with a loan officer, or contact our loan department at (320) 252-2634 or toll-free at (888) 252-2634 for complete information. Or, contact us by email.

 

New Cars & Trucks (2020 and Newer)

Rate

36 months 2.49%*
52 months 2.74%*
64 months 2.99%*
76 months  3.24%*
84 months 3.49%*

Used Cars & Trucks (2016-2019)

Rate

36 months 2.74%*
52 months 2.99%*
64 months 3.24%*
76 months 3.74%*
84 months 3.99%*

Used Cars & Trucks (2015 and Older)

Rate

36 months 4.24%*
52 months 4.49%*
64 months 4.74%*
76 months 5.24%*

RVs, Campers, & Titled Fish Houses

Rate

36 months 4.49%
60 months 4.99%
84 months 5.24%
120 months 5.74%
144 months 6.24%
180 months 6.99%

New & Used Motorcycles

Rate

48 months 6.25%
60 months 6.50%
72 months 6.75%

Side by Sides (UTV), Boats, Non-Titled Collateral (snowmobile, ATV, jet ski, etc.)

Rate

 36 months 3.74%
 48 months 4.24% 
 60 months 4.74%
 72 months 5.24% 
 84 months 5.74%

Signature Loans

Rate

36 months 8.99%
48 months 9.99%

60 months

10.99%

Anytime Access

(Checking Line of Credit) 

14.99%

Savings Secured

Rate

Passbook & Money Market Accounts

3.75%

Certificate of Deposit Accounts

CD rate plus 2% With a minimum rate of 3.75%

Additional Information about our Loans:

Rates and terms on all loans are subject to credit approval. St Cloud Financial Credit Union uses a credit score to determine your interest rate. No loan rate at the credit union can exceed 18% APR. Rates are subject to change at anytime.

- All rates are annual percentage rates (APR).

- Loan rates are based on your credit rating. The rates quoted are our best rates and may be higher based on your credit report. The term of your actual loan may vary, depending on your needs.

*Rates with an asterisk can take an additional 0.25% discount with an active, qualified         St. Cloud Financial Credit Union checking account.

Contact

Phone: 320-252-2634

Toll Free: 888-252-2634

Email: info@stcloudfcu.coop

Routing Number: 291975656


Credit Union NMLS #421441

 

HOURS OF OPERATION

** Starting November 5,

2020, our branch lobbies

are closed to

appointment only. **

 

Albertville

Lobby Hours:

Monday-Friday 9 AM - 5 PM

Drive-up Hours:

Monday-Friday 9 AM - 5 PM

 

Becker

Lobby Hours:

Monday-Friday 8:30 AM - 5 PM

Drive-Up Hours:

Monday-Thursday 8:30 AM - 5 PM

Friday 8:30 AM - 6 PM

Saturday 9 AM - 12 PM

 

Downtown St. Cloud

Lobby Hours:

Monday-Friday 9 AM - 5 PM

 

St. Cloud & Sartell 

Lobby Hours:

Monday-Friday  9 AM - 5 PM

Saturday 9 AM - 12 PM

Drive-Up Hours:

Monday-Friday 7:30 AM - 6 PM

Saturday 8 AM - 1 PM

 

Sauk Rapids

Lobby Hours:

Monday-Friday 9 AM - 5 PM

Saturday 9 AM - 12 PM

Drive-Up Hours:

Monday-Friday 7:30 AM - 6 PM

Saturday 8 AM - 1 PM 

 

Locations

5600 La Centre Ave Suite 100
Albertville, MN 55301

 

14267 Bank Street
Becker, MN 55308

 

3030 First Street South
St. Cloud, MN 56301

 

120 Tenth Avenue North
St. Cloud, MN 56303

 

1716 Pine Cone Road South
Sartell, MN 56377

 

205 2nd Ave N
Sauk Rapids, MN 56379

 

 Trust Email Signature.jpg

To set up or reassign a pin number: 

1-888-891-2435

St. Cloud Financial Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website. If you have any questions regarding our website, please contact us at (320) 252-2634 and we would be happy to help you! All products and services available on this website are available at all St. Cloud Financial Credit Union branches.

Equal Housing Lender

NCUA Insured

© 2021 St. Cloud Financial Credit Union | Routing Number: 291975656

Privacy Policy | Site Map | Contact Us